The life insurance industry was one of the most important financial institutions of the long nineteenth century, on both sides of the Atlantic. By the eve of the Great Depression, there existed in America the equivalent of a policy for every man, woman and child alive at the time, whilst in Britain the life insurance market grew steadily from its narrow aristocratic base to encompass all social classes at home and throughout the empire. The sources in this edition are collected in three themed volumes. Volume 1 looks at the public face of life insurance: how the industry sought to define and market life insurance to the public through treatises, brochures, prospectuses, and guides; innovations in life insurance products and sales techniques over time; and the exchange of ideas across the Atlantic. Volume 2 addresses the internal workings of the life insurance industry including its organization and architecture, agency system, fund management, competition between companies, fraudulent companies and legislation involving the sale of insurance. Finally, Volume 3 focuses on mortality and risk, from the collection of data and the development of mortality tables, the evolution of the medical exam and the evaluation of risk factors, to gambling, fraud and murder.
Volume 1: What is life insurance? Why should you insure? Selling Life Insurance to the Public I. Guides and Prospectuses British Life Insurance in the 1840s: Richard Morgan, Familiar Observations on Life Insurance (1841), Chapter 4; Life Insurance Offices, New and Speculative (1846), excerpt. The Emergence of American Life Insurance: 'Securitas', 'Life Insurance', Connecticut Courant (1833); T R Jencks, 'Life Insurance in the United States, Number I', Hunt's Merchants' Magazine and Commercial Rebiew (1843); T R Jencks, 'Life Insurance in the United States, Number II', Hunt's Merchants' Magazine and Commercial Rebiew (1843). Early Prospectuses: William Frend, Rock Life Assurance Company (1809); An Address from the President and Directors of the Pennsylvania Company for Insurances on Lives and Granting Annuities to the Inhabitants of the United States (1814); Proposals and Rates of the Standard Life Assurance Company (1833). New American Prospectuses: William Bard, A Letter to David E Evans, Esquire, of Batavia, on Life Insurance (1832); Life Insurance: Its Principles, Operations and Benefits, as Presented by the North Carolina Mutual Life Insurance Company (1849); John Freestone, Where to Insure: An Impartial and Independent Guide (1890), excerpt. II. Religion and Domesticity Religion and Life Insurance in America: Charter of the Corporation for the Relief of the Widows and Children of Clergymen (1769), excerpt; 'Life Insurance', Religious Intelligencer (1835); 'Life Insurance - Ministers', Christian Secretary (1847); 'Life Insurance - A Scruple', Christian Secretary (1847); 'Life Insurance of Ministers', Christian Secretary (1847); 'Prospectus of the Dissenters' and General Life and Fire Assurance Company', Ecelctic Review (1839), excerpt. Life Insurance as a Domestic Duty: 'Life Insurance', Macon Weekly Telegraph (1838); John Neal, 'Life Assurance', Columbian Lady's and Gentleman's Magazine (1846); Arthur Scratchley, Observations on Life Assurance Societies, and Savings Banks (1851), excerpt; Arthur Reade, 'Before the Wedding Ring', Policy-holder: An Insurance Journal (1885). III. Varieties of Self-Help Benefit Societies versus Saving Banks and Insurance Companies: An Address to the members of Benefit Societies and the Public in General (1822). Life Insurance and Savings Banks in America: A B Johnson, 'The Relative Merits of Life Insurance and Savings Banks', Hunt's Merchants' Magazine and Commercial Review (1851); Joseph B Collins, 'Life Insurance', Hunt's Merchants' Magazine and Commercial Review (1852). Insurance and Self-Help in Britain: 'Insurance amongst the Working Classes', Economist (1858); Frank Ives Scudamore, Life Insurance by Small Payments: A Few Plain Words Concerning It (1861). Insurance and Self-Help in America: George D Eldridge, 'Assessment Life Insurance', North American Review (1890); B H Meyer, 'Fraternal Beneficiary Societies in the United States', American Journal of Sociology (1901). IV. New Markets Josiah C Nott, 'Statistics of Southern Slave Population, with Especial Reference to Life Insurance', DeBow's Commercial Review (1847); W E Burghardt Du Bois (ed.), Some Efforts of American Negroes for their Own Social Betterment (1898), excerpt; Arthur Wyndham Tarn, 'Some Notes on Life Assurance in Greater Britain', Journal of the Institute of Actuaries (1899), excerpt. Industrial Insurance in Britain: Joseph Burn, 'Industrial Life Assurance', Journal of Federated Insurance Institutes (1902); J F Williams, Life Insurance of the Poor: An Illumination of Economic Disadvantage (1912). Industrial Insurance in America: John F Dryden, 'The Social Economy of Industrial Insurance: A Lecture' (1909); Frederick Hoffman, Life Insurance of Children (1903). V. Anglo-American Interlopers [Pelican Life Insurance Company], 'Life Insurance. To Parents, Guardians, and Others, Desirous of Securing a Provision against Sudden Death', New-York Evening Post (1808). The 'American Invasion':. 'The Equitab
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